Monday, October 17, 2016


Building Your                
Financial Foundation                   
Brandy Speer, CFEI
Certified Financial Education Instructor

A Continuation in the Financial Capability Curriculum Series

(Part 2 Debt elimination)


List of 9 Fundamental Rules…
In order to achieve and maintain financial success, it’s essential to understand the financial habits of successful people. We did some research on this topic, and here are some of the fundamental rules that have made most millionaires their hard-earned money and how you can develop these habits yourself.

  1. Earn to Invest, Don’t Earn to Spend
Most people work hard in order to pay off their credit cards and support their lifestyles. Wealthy people understand that their money is better off saved or invested to make more money, and increase their net worth.

  1. Have a Plan and Work the Plan
Self-made millionaires don’t normally become wealthy on accident. They are driven to become rich and formulate a plan to get them there over a lifetime of investing and accumulating wealth.

  1. Earn More Money
It sounds obvious, but wealthy people are constantly seeking ways to produce additional income streams in order to put more money to work for them.

  1. Understand Their Finances
Wealthy people are aware of their personal income statements, and know how much cash flow they have coming in and how much is going out.

  1. Risk Takers
Measured risk is a must in order to increase your net worth. Without taking some chances, your money never has an opportunity to grow. However, risk is never taken without an exit strategy and insurance to protect the downside.

  1. Patience
Self-made millionaires did not become that way overnight. They understand the power of compound interest, and that consistent investments and savings will be rewarded.

  1. Great Team of Support
Wealthy people who stay wealthy surround themselves with financial and legal advisors that are the best in their field. They don’t go at it alone.

  1. Involvement
While self-made millionaires seek advice of their trusted advisers, they listen intently, do their homework and ultimately make the decisions. They are actively involved in creating their own wealth.

  1. Take ACTION!
Make it happen. Every day dong a slight-edge approach to getting control of your finances.
Request my free step-by-step budgeting plan for personal money management.
Sign up for my eCourse, webinars or workshops

Topic Questions for Follow-up and Review
  1. How do you move beyond the fear and the shame of your financial struggle?

              How do you dig yourself out of debt and save money at the same time?
         What is the first step in getting out of debt?
         What is the first 3 steps in getting out of debt?
         Why you should be investing in your retirement plan?
         How to make the most of a retirement plan?
         What is a retirement plan loan?
         Does a retirement plan loan make sense for you?
         What can motivate you to take action to get out of debt?
         Why is it important to develop a written plan for controlling my cash flow?
         What are the necessary steps to establish a budget toward getting out of debt?
         Should I only make minimum payments on credit card debt

         How can debt settlement save you money?
         Are there reputable debt settlement and consolidation companies?
        How do I deal with debt collectors?
        Should I save or pay off debt?

Some Topic Sources
National Financial Educators Council (NFEC)
Accredited Debt Relief
Federal Trade Commission
Clear Point Debt Management Programs
Time Magazine

FLAN works with people/communities/organizations/businesses who want to embrace and join forces to bring the vision of financial education (personal money management) to themselves, their families, employees and communities

Course participants will learn how to properly manage their money, save, invest and grow it.  It’s about dreams and goals!

Download our complimentary 60 to 90 minute courses for all ages.

Apply techniques that work and start to see immediate results. Full course covers key areas designed to help you achieve your personal financial goals. Money management program course overview:
·         Financial Psychology
·         Accounts and Budgeting
·         Credit and Debt
·         Banking Essentials
·         Skill Growth
·         Insurance
·         Investment Basics

Register for Upcoming Webinars and Workshops:
ü  eCourses – Ongoing Lifetime Access

ü  Webinars
Wednesday, October 19th and Thursday, October 20th, 2016 – 7:00 pm to 9:00 pm, pacific standard
Build Your Financial Foundation: Road to Retirement - Part I and Part II

Saturday, October 22nd 8:00 am to 11:00 am and Sunday, October 23rd, 2016 - 10:00 am to 2:00 pm, pacific standard time
Saturday, October 29th 8:00 am to 11:00 am and Sunday, October 30th, 2016 - 10:00 am to 2:00 pm, pacific standard time
Entrepreneurship 101:  What’s Your Business? – Part I and Part II

ü  Workshops North County San Diego, California
FRIDAY NITE LITE - Build or Rebuild Your Financial Foundation (Taco Friday)
Friday, October 21, 2016 from 6:00 pm to 8:30 pm
Friday, October 28, 2016 from 6:00 pm to 8:30 pm

Crash Course for Teen and Young Adults (Refreshments)
Building Your Financial Foundation: RMX (Real Money Experience)
Wednesday, October 19th from 4:00 pm to 6:00 pm
Saturday, October 22, from Noon to 3:00 pm

The financial literacy curriculum & presentations are designed to accommodate a variety of schedules and learning outcomes. Organizations have used the curriculum as workshops of various lengths, after-school programs, weekend seminars, camps, in-class training, lunch-and-learns, for-credit college classes, employee education and various other delivery forms.

Financial Literacy Action Network is 100% independent and its financial literacy curriculum & presentations are purely educational. With the guidance of the Curriculum Advisory Board – comprised of educators, financial professionals, and financial education experts – this collaboration has yielded financial literacy curriculum that bridges the gap between theory-based education and practical application.

Financial Literacy Action Network
Brandy Speer, Executive Director
1214 Armorlite Drive, #121
 San Marcos, CA  92069
760.845.5550 | mobile/text
888.818.5669 | office
855.455.5550 | Fax

7 Ways to Win Consumers on Their Path to Purchase

The path to purchase, from start to finish, is rarely linear—it's more akin to a scavenger hunt. Along the customer journey, one search can spark an entirely new idea or want. And one search can make the difference between your brand and the competition.

See Article Here

Think with Google: The Home Depot Earns 8X In-Store ROI with Mobile Display Ads

Home Depot got powerful results when it used location extensions for display ads to reach home and garden enthusiasts on mobile. The brand reached consumers in their intent-rich moments—when they were looking for outdoor garden products—and brought them into nearby stores.

See more at

Sunday, September 25, 2016

Special Broadcast: Hannibal B. Johnson - The Worst Race Riot in U.S. History

Special Broadcast: Featuring Hannibal B. Johnson, Esq. as we discuss the mass killing of black people by whites in Tulsa, OK in 1921.

Tulsa, OK 1921. The total number of black people killed will never be know. 

Progress in the World Radio Show
9 AM to 11 AM

Call in Number 310-861-2349

The interview with Hannibal will take place between 9 AM and 10 AM.
Callers will be able to vent their opinions between 10 AM and 11 AM.

Join us and share this event.

Hannibal B. Johnson is a graduate of Harvard Law School. He did his undergraduate work at The University of Arkansas, where he completed a double major in economics and sociology. Johnson is an attorney, author, and independent consultant specializing in diversity & inclusion/cultural competence issues and nonprofit governance. Johnson has also served as an adjunct professor at The University of Tulsa College of Law (legal writing; legal ethics), Oklahoma State University (leadership and group dynamics; business law [MBA Program]), and the University of Oklahoma (ethics; cultural diversity; race & reason; The 1921 Tulsa Race Riot; nonprofit leadership & management).

Johnson is past president of Leadership Tulsa, past president of the Metropolitan Tulsa Urban League and past president of the Northeast Oklahoma Black Lawyers Association. He served as Chairman of the board of directors of The Community Leadership Association, an international leadership organization, during 2001 – 2002, and is a founding director of the Oklahoma Appleseed Center for Law and Justice. He currently serves on the Oklahoma Advisory Committee for the United States Commission on Civil Rights, and as Immediate Past Chairman of the board of directors of the Oklahoma Department of Libraries. Johnson directed Anytown, Oklahoma, a statewide human relations camp for teens, for more than a decade. He has served on the board of Planned Parenthood of Arkansas and Eastern Oklahoma and on the Advisory Board of the Mayborn Literary Nonfiction Writers Conference of the Southwest. Johnson served as chairman of board of directors of The Rotary Club of Tulsa, 2015 – 2016, and chaired the Club’s Diversity and Inclusion Committee during that same period. 

He serves on the Institutional Review Board for Oklahoma State University Center for Health Sciences, on the Tulsa Public Schools Fine Arts Advisory Board and is a past chair of the board of directors of the Foundation for Tulsa Schools. He has also served as a member of the board of directors of the Oklahoma Humanities Council. He served on the Programs Committee for the John Hope Franklin Center for Reconciliation and organized the Center’s annual symposium for several years. In 2004, Mr. Johnson graduated with the inaugural class of the national “Connecting Community Fellowship Program” based in Richmond, Virginia.

Johnson’s books include: Images of America: Tulsa’s Historic Greenwood District; Black Wall Street--From Riot to Renaissance in Tulsa’s Historic Greenwood District; Up From the Ashes—A Story About Community; Acres of Aspiration—The All-Black Towns in Oklahoma; Mama Used To Say—Wit & Wisdom From The Heart & Soul; No Place Like HomeA Story About an All-Black, All-American Town; IncogNegroPoetic Reflections on Race & Diversity in America; and Apartheid in Indian Country?: Seeing Red Over Black Disenfranchisement. Johnson’s play, Big Mama Speaks—A Tulsa Race Riot Survivor’s Story, has been performed at the Tulsa Performing Arts Center, Philbrook Museum of Art, and was selected for the 2011 National Black Theatre Festival in Winston-Salem, North Carolina. Johnson is a contributing writer to the Encyclopedia of African American History (New York, New York: Facts on File, Inc. 2010), penning two articles: Langston, Oklahoma and the Birth of the All-Black Town Movement; and Edward Preston McCabe—The Father of the All-Black Town Movement).

Johnson’s honors include: the 2016 Whitney M. Young, Jr., Service Award from the Boy Scouts of America; the 2015 National Philanthropy Day Award for Diversity and Inclusion from the Association of Fundraising Professionals; the 2013 “The Inclusives” diversity award from Tulsa’s Young Professionals; the 2012 “Ada Lois Sipuel Fisher Diversity Award” from the Oklahoma Bar Association; the “Don Newby/Ben Hill” award from Tulsa Metropolitan Ministry; the “Keeping The Dream Alive” award from the Dr. Martin Luther King, Jr. Commemoration Society; the “Outstanding Service to the Public Award” from the Oklahoma Bar Association; the “Ten Outstanding Young Tulsans” award from the Tulsa Jaycees; the “Distinguished Leadership Award” from the National Association for Community Leadership; the 2005 “Ralph Ellison Literary Award” from the Black Liberated Arts Center; the 2006 Oklahoma Human Rights Award from the Oklahoma Human Rights Commission;  induction into the 100 Black Men of Tulsa, Inc. “Hall of Honor” in 2007; and the “Goodwill Appreciation Award” from the Islamic Society of Tulsa in 2008.


Hannibal B. Johnson

  • Apartheid in Indian Country? looks at the controversy over the citizenship status of the descendants of persons of African ancestry who lived among the Five Civilized Tribes, the “Freedmen.” The ancestors of some of the Freedmen were enslaved by the Five Tribes, while others were free persons living among those tribes. The Freedmen claim treaty, blood, and affinity relationships to the Five Tribes. [Audience: high school students and adults] (Eakin Press; ISBN 13: 978-1-935632-34-4) 

o   Black Wall Street traces the history of Tulsa’s African-American community, renowned nationally in the early twentieth century for its preeminent Black entrepreneurs. Tulsa was the site of the worst race riot in American history in 1921. Some 300 people were killed and property damage ran into the millions.  Tulsa’s African-Americans overcame. The Greenwood District was rebuilt and, by 1942, boasted 242 black-owned and black-operated business establishments. The book is a testament to the human spirit. [Audience: high school students and adults] (Eakin Press; ISBN 193464538-9)

  • Up From The Ashes tells the story of the development, destruction, and rebuilding of a dynamic neighborhood from a child’s perspective. Based on actual historical events, it is a positive, life-affirming book. Readers will discover what it means to be part of a community, with all its ups and downs.  The book demonstrates many of the timeless virtues we all cherish, not just for ourselves, but for our children: faith, determination, integrity, humility, and compassion. [Audience: elementary school students] (Eakin Press; ISBN 978-1-940130-43-9)     

o   Acres of Aspiration tells the story of the all-Black towns in Oklahoma.  Prominently in Kansas, then principally in Oklahoma, all-black towns founded by black seekers mushroomed in the post-Reconstruction era.  Weary Southern migrants formed their own frontier communities, largely self-sustaining.  Black towns offered hope—hope of full citizenship; hope of self-governance; and hope of full participation, through land ownership, in the American dream. Despite an auspicious beginning, the all-black town movement crested between 1890 and 1910, a time when American capitalism transitioned from agrarian to urban. This and a host of other social and economic factors ultimately sealed the fates of these unique, historic oases. Many perished.  Most faded. Only the strong survived. The few that remain serve as testaments to the human spirit and monuments to the power of hope, faith, and community. [Audience: high school students and adults] (Eakin Press; ISBN 1-57168-664-9)

  • Mama Used to Say captures one mother’s wit and wisdom on a whole host of twelve select topics: life & living; family & relationships; right & wrong; money & work; time; success & failure; race; religion; love; respect; education; and integrity.  At once witty and poignant, Mama Used to Say, through its anecdotes, adages, meditations, and reflections, offers the reader opportunities for self-examination and personal growth.  The common thread running through Mama Used to Say is the universality of a mother’s love and seemingly boundless capacity for nurturing, not just physically, but emotionally and spiritually as well. [Audience: high school students and adults] (HAWK Publishing; ISBN 1-930709-46-3)

o    IncogNegro recounts, poetically, stories of race and diversity. Listen.  Listening breeds empathy, evokes compassion, and moves us a step closer to walking the proverbial mile in someone else’s shoes. Everything begins with that first step. Ultimately, like actors on the world stage, each of us has some role, however small, to play in fostering an accepting, inclusive, diverse community. (PublishAmerica; ISBN 1-60474-696-3).

o    Tulsa’s Historic Greenwood District recounts the Greenwood story in captioned photographs. [Audience: high school students and adults] (Arcadia Publishing; ISBN978-1-4671-1128-7)


Diversity & Inclusion: Diversity is. Inclusion may or may not be. Understanding and appreciating our differences and core commonalities is essential. Let an expert help you leverage your human capital.

o    Diversity and inclusion assessments
o    Diversity and inclusion lectures, workshops, and one-on-one consultation
o    Promoting mutual respect/understanding differences
o    Fostering awareness of our ever-changing diversity 
o    Encouraging strategic thinking about diversity
o    Stimulating critical thinking about diversity issues

Nonprofit Leadership & Management: In today’s world, nonprofit organizations are more important than ever. Let an expert assist you with your nonprofit needs, from training and development to coaching.

o    Understanding board/staff roles & responsibilities
o    Creating a diverse board
o    Conducting effective board meetings
o    Examining legal rights & responsibilities

Strategic Planning: It is critical to have a plan. Let an expert help you and your organization decide what is really important and how best to achieve those ends.

o    Setting goals
o    Developing implementation strategies and timelines
o    Assigning accountability
o    Measuring outcomes

Group Dynamics: No one is an island. Let an expert help you gel as a team and learn to work with one another, even when the going gets rough.

o    Developing cohesive teams
o    Communicating effectively
o    Resolving conflict

Leadership: Identifying, developing and empowering individuals is the essence of leadership. Let an expert help you facilitate this process in the context of your organization.

o    Identifying values & vision
o    Understanding the leadership context
o    Developing leadership skills 

Hannibal B. Johnson, Esq.

Author, Attorney & Consultant

121 North Greenwood Avenue, Suite “G,” Tulsa, Oklahoma 74120
918.585.6770 (office); 918.406.8934 (cell);

The Top 9 Strategies That Will Reduce Your Debt Featuring Brandy Speer - Progress in the World Radio Show

Brandy Speer

The Top 9 Strategies That Will Reduce Your Debt Featuring Brandy Speer

Progress in the World Radio Show
Sunday 25 September 2016
1PM to 3 PM Pacific
Call in number 310-861-2349

The Top 9 Strategies That Will Reduce Your Debt Including 21 Proven Ways to Reduce Your Spending Right Now!

The only reason a great many American families don't own an elephant is that they have never been offered an elephant for a dollar down and easy weekly payments. — Mad Magazine 
How you manage your money today will determine your financial freedom tomorrow. 

FLAN works with people/communities/organizations/businesses who want to embrace and join forces to bring the vision of financial education (personal money management) to themselves, their families, employees and communities. Course participants will learn how to properly manage their money, save, invest and grow it. It's about dreams and goals!
Learn How You Can Download our complimentary 60 to 90 minute courses for all ages. Apply techniques that work and start to see immediate results. Full course covers key areas designed to help you achieve your personal financial goals. Get a money management program course overview. 

Financial Literacy Action Network Brandy Speer, Executive Director
1214 Armorlite Drive, #121
San Marcos, CA 92069

760.845.5550 | mobile/text 
888.818.5669 | office 
855.455.5550 | Fax | email | website